Welcome to Sailnet, Ches......I like the 20 year plan, just hope you don't wait that long to get a boat and go sailing! I keep my boat in KL now and it's an awesome place for sailing, diving, fishing, and general goofing off.
Dude, don't wait! Pick up a trailer sailor now and get started! You can get one in the 23 foot range in good condition on a trailer for around $4000. Sail like crazy, learn all you can (there's lots to know), make all sorts of mistakes, loose some gelcoat, and run aground. Then, move up and be experienced and comfortable on the big one. Waiting is a mistake. Ask me how I know.